Personal Insurance
Insurance that puts you first.
Based in Albany, we proudly serve the East Bay and clients across California with expert insurance solutions tailored to your life, home, and business.
Personal Insurance
Protect your home, car, and belongings with policies designed around your lifestyle. From auto and homeowners coverage to renters and umbrella insurance, we help you safeguard what matters most.
Health Insurance
Secure your family’s future and your own peace of mind with term life, permanent life, and health insurance options for individuals and families.
Business Owner Policies
Comprehensive protection for your company, employees, and property. Our advisors help local business owners manage risks with general liability, workers’ compensation, and more.
Group Benefits
Support your employees with customizable group health and benefits packages that fit your business’s size and budget.
Workers' Compensation
Protect your team and your business with reliable workers’ comp coverage that meets California requirements. We make it simple to stay compliant and ensure your employees receive the care they deserve after a workplace injury.
Surety Bonds
From contractor license bonds to commercial surety programs, Freeman Insurance offers fast, affordable bonding solutions that help your business operate with confidence and meet regulatory needs.
Thank You For Choosing Us As
BEST INSURANCE AGENCY OF BAY AREA
We are honored to be recognized as the Best Insurance Agency of the Bay Area. Our team is proud to be a trusted resource for individuals and businesses, offering tailored coverage solutions from auto, home, and life insurance to group benefits and business policies. By partnering with top carriers and focusing on competitive rates, flexible options, and personal guidance, we’re committed to helping our clients protect what matters most—today and for the future.
Your Questions, Answered
What makes insurance coverage in the Bay Area different from other parts of California?
A: The Bay Area’s blend of dense cities, coastal zones, and earthquake-prone regions creates unique coverage needs. Homeowners often need add-ons like earthquake or flood protection, while city drivers face higher traffic and theft risks that affect auto insurance. Local brokers like Freeman Insurance understand these regional challenges and tailor coverage for your neighborhood and lifestyle.
Do I need earthquake insurance in Albany or Berkeley?
A: Absolutely. Standard homeowners policies don’t cover earthquakes, and the East Bay sits directly along the Hayward Fault. Freeman Insurance helps Albany and Berkeley homeowners access affordable California Earthquake Authority (CEA) coverage or supplemental policies through private carriers to stay protected.
How do Bay Area housing costs impact home insurance coverage?
A: Rising construction and housing prices mean the cost to rebuild your home has increased. If your dwelling limit hasn’t been updated recently, you could be underinsured. Our team reviews every client’s coverage annually to align rebuild values with current Bay Area construction costs.
Why are auto insurance rates higher in Oakland or San Francisco?
A: Urban driving brings more congestion, accidents, and theft claims, which affect premiums. But as an independent agency, Freeman Insurance compares rates across multiple carriers to find the best value for your ZIP code and driving habits.
What kinds of insurance do Bay Area small businesses need most?
A: Most local businesses start with General Liability, Commercial Property, and Workers’ Compensation coverage. Depending on your industry, we often recommend Cyber Liability, Professional Liability, or Surety Bonds—especially for contractors, tech startups, and consultants working under Bay Area city contracts.
